4
Risks of L/C Issuance/Amendment  Full set of original B/L not required by L/C  Consignee of B/L not to be SME Bank  Full set of original Insurance Policy/Certificate not required by L/C Risk of International Trade Finance

10
Product Export Interest  Packing Credit  Short Term Loan not over 180 Days  Borrowing Loan not over 80% of L/C or not over 70% of Trade Volume /Order  Bill Purchased against Sight L/C or Bill Discounted against Usance L/C  Bill Purchased against B/C or Bill Discounted against Usance B/C

15
Working Procedure Call Visit Business Center Head Office International Banking Team Mortgage Sign Contract by Credit Processing Department Analyze Approve Inform loan approval amount to International Banking Department for preparing the document International Banking Department coordinate with customer for requesting the document for open L/C, T/R, P/C Staff of Branch / Head Office note for Loan Disbursement International Banking operate as loan disbursement procedure and save in Approval Loan System of Department Set up for Loan Approval Loan Disbursement Credit Processing Department operate in Loan Disbursement (incase of P/C)

16
1. Service of International Banking Department  How long have to wait if the customer bring the application form for open L/C ?  How many days will receive the money if the customer bring the export documents to the bank ? 2. Which information is necessary for Credit Analysis ? 3. What is the credit guarantee of International Banking Credit ? 4. Does the bank has the strong point in international trade finance and How ? Frequent Asking Questions